it's just awful. >> tell us about this. i've been trying to bring attention to some of the groups i've gotten to know in the last couple of weeks. but tell me about the federal government. if you lose a house, if you have your electrical system destroyed, if everything around the house basically has to be rebuilt, can you get the money from the federal government or is this going to have to be private insurance? >> this is one of the problems. the most private insurance doesn't have -- is not flood insurance. some people have flood insurance, and some people don't. and then fema will pay a maximum of 31,400. well, you can have a bungalow, a little tiny home in new york, and 31,400 isn't going to bring that back. this is something we have to look at. they did after katrina figure out a way to use cdbg money for this and it's something we're going to have to do. there are so many different things that have to be covered here. the storm was so great. 14 feet higher than we've ever seen it. the brooklyn battery tunnel had 100 m